(birken)stocks (@birken-stocks) on getquin

3Mon·

Hello everyone, another question:

After I showed my portfolio the other day, I was increasingly advised to pump everything into an ETF with my savings rate of €100.

Now I have another question, as I have seen how friendly and helpful everyone is here. I currently have three ETFs running, the $IWDA (+0.23%) the $EIMI (-0.21%) and the $IESE (-1.54%) .

Now my question is, is it a good idea to keep them running like this or should I switch to other ETFs or a completely different investment strategy (e.g. 100% in MSCI ACWI) or 60/40 instead of 60/30/10 (I just want to balance out the 60% USA a bit).

Would it also make sense to sell the shares I have already bought? Or do you think it would be stupid to keep them just to see what happens?

14 Comments

Luffy@Luffy3D2Y

3Mon

You are pursuing a specific strategy with the three ETFs. You should continue to pursue it if you believe in it. If you don't know what you're doing, a single world ETF might be the better choice.

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beardonfire@beardonfire

3Mon

$SPYI

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wasi@wasi

3Mon

Personally, I would stay away from EM, I am only invested in India. I see no reason to invest in countries such as Saudi Arabia, Mexico, South Africa, Brazil... they will never perform anywhere near as well as the USA or Europe. In my opinion, this is overdiversification.
So either 100% All World or $IWDA (World without EM)
or you mix in something else, which would then be 80% All World or $IWDA + 20% EM/India/China (take your pick. I have 2 ETFs, the current composition is 75.3% $IWDA and 24.7% $INR. However, as the savings rates for both are different, the percentage composition changes every month. You don't look that closely after a while...

Regarding your shares: do you have any to sell? You can't sell 0.xxx shares, only whole shares. That could be difficult with your €2 savings plans. What's more, each sale costs €1, which quickly amounts to 10-20% of a month's capital

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Soprano@Soprano

3Mon

The $IESE definitely belongs in the garbage can

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DerDanner@Therapeut

3Mon

Your ETF selection is good would leave out the Europe, it's included in the World

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